Senior Fraud Analyst

We are looking for a Senior Fraud Analyst to support transaction monitoring and authorization risk strategy for a card portfolio in San Francisco, California. This Long-term Contract opportunity is suited for an experienced, detail-oriented individual who can lead fraud decisioning, strengthen detection logic, and improve approval outcomes while controlling loss exposure. The role calls for strong issuer-side expertise, sound judgment in real-time environments, and the ability to work effectively across teams in a fast-moving setting.

Responsibilities:

• Oversee day-to-day fraud review activity for card transactions, making informed real-time decisions on whether to clear or block suspicious authorizations.
• Develop and refine fraud controls by adjusting rule logic tied to transaction velocity, spending behavior, and merchant-related risk signals.
• Examine transaction patterns and fraud data to uncover new threats and recommend targeted monitoring strategies.
• Optimize the balance between fraud prevention and customer experience by reducing unnecessary declines while protecting against losses.
• Work closely with product, risk, and operations partners to improve authorization performance and strengthen fraud response processes.
• Use fraud platforms and decisioning tools to maintain effective monitoring workflows and enhance rule performance.
• Apply knowledge of card authorization processes, decline responses, and interchange considerations to strengthen fraud strategies.
• Contribute analytical insight in a dynamic environment where priorities may shift quickly and practical solutions are needed.